Disclaimer: Our website and publications aim to give you general information to help you make financial decisions. It is not advice, nor can it take account of your own particular circumstances. For advice with a view to making decisions about your own circumstances you should consult a financial or other professional adviser.

© The Financial Services Authority.

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Where do I go from here?

You've worked your way through the decision trees and now need to make some decisions. You may be confident that contributing to a stakeholder pension would be a good choice for you, or you may want more help before reaching a decision on what to do.

Have you decided that a stakeholder pension is a good choice for you?

If so, it is a good idea to contact several firms selling stakeholder pensions and ask them for a brochure or a Key Features Document, so that you can compare products. The Key Features Document sets out important details about that particular firm’s stakeholder pension product.

You can compare different stakeholder pension and personal pension schemes by using the FSA’s Comparative Tables, which you can find at www.fsa.gov.uk / tables. You can also look at a register of stakeholder schemes published by The Pensions Regulator at www.thepensionsregulator.gov.uk / stakeholderpensions

You can also contact an adviser to help you choose a particular stakeholder provider. See the next page for useful contacts.

Do you need more help?

You may need to get more help before making a decision, particularly if you are in one or more of the following situations:

  • You already have a pension arrangement but want to know if you should save more.
  • Your personal circumstances do not seem to fit the questions in the decision trees.
  • You wish to get advice that takes account of all your personal circumstances.
  • You are not sure how to answer some of the questions in the decision trees.
  • You are not sure if you are making the right decision.
  • You feel you cannot afford to save for retirement.

You should consider getting advice if:

  • you are not sure that saving through a pension plan is a good idea for you; or
  • you want to look at other ways of saving and investing for the long term.

Some organisations that may be able to help you are listed on the next page.

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